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Post by Duane Dibley on Sept 25, 2022 12:45:02 GMT
Live data, though, seems to show that investors aren't – yet– withdrawing. Both number of investors, and average investment, continuing a modest rise. Isn't the point though that once that does change then it's already too late? As we saw with AC sentiment can change in the blink of an eye. It's an interesting discussion and I can see the merits in both sides, though while I am undecided I have been reducing my holding in LP naturally over the last few months.
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Post by Duane Dibley on May 21, 2021 14:50:34 GMT
Cash on my ISA account now about 40% and steadily rising. Cash in smaller non-ISA account c12%. Leaving cash in Isa in the hope of business picking up as I can't be bothered with the faff of transferring in and out. Flexible ISA so you can always withdraw and then redeposit if you need to.
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Post by Duane Dibley on Mar 26, 2021 17:03:59 GMT
Sounds interesting. Is that from personal experience?
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Post by Duane Dibley on Aug 22, 2020 11:57:37 GMT
Glad it's not just me. I already have premium bonds and index-linked certs so identity shouldn't be a problem, but as you say without a customer number you can't access anything now, and very helpfully "due to coronavirus" application forms can't be downloaded at all, all part I suspect of the government's push to doing everything online. I can't even register for a customer number by using my existing products as according to them I am "already registered", and I can't even request it by using the 'forgotten NS&I number' link in case it's been lost in the post, as my request is just ignored. The fact that NS&I are a government department should have been a clue as to their competency but hope springs eternal and I fell for it again. My Index Linked Certificates renewals etc have my NS&I number (which is my customer number) on them. You may have your original customer number on there. Thanks for the suggestion, but no I don't have a customer number as I've never registered for online services before, and can't now as they say I am registered but still waiting for my customer number by post.
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Post by Duane Dibley on Aug 22, 2020 11:22:42 GMT
Are you sure you're on the official NS&I website and not a scam one? I recall you can deposit your money via Debit Card when you open the account online and the whole process only takes 5 to 10 minutes. I already had Premium Bonds so maybe that helps to streamline the process but your experience is FAR from normal, something is very wrong. I think the OPs issue is actually being able to access the account. You need a NSI number for that and thats what he is waiting for. They have done the initial bit and opened the account but cant go any further without the number. If you had PB then you already have your NSI number. Im having much the same problem as the OP, I have my NSI number but its not accepting my password and it wont let me change it online nor can I reset my memorable questions. Unlike most proper banks it doesnt seem to make use of 2FA to do these basic functions so youre stuck with phone & postal communications. Glad it's not just me. I already have premium bonds and index-linked certs so identity shouldn't be a problem, but as you say without a customer number you can't access anything now, and very helpfully "due to coronavirus" application forms can't be downloaded at all, all part I suspect of the government's push to doing everything online. I can't even register for a customer number by using my existing products as according to them I am "already registered", and I can't even request it by using the 'forgotten NS&I number' link in case it's been lost in the post, as my request is just ignored. The fact that NS&I are a government department should have been a clue as to their competency but hope springs eternal and I fell for it again.
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Post by Duane Dibley on Aug 22, 2020 8:55:13 GMT
Could any of those posters who opened a NS&I Income Bond please tell me how long it took them?
It's been over a month ago since I tried to open one, over a month since I received an email saying there was an important message in my inbox, over a month waiting to receive a customer number so I could actually log in to read that message and over a month without being able to access my initial deposit or add any further deposits.
I appreciate that NS&I aren't a bank so you can't expect next day service and I realise they've probably never been as busy, but a month just to send assign and send out a customer number? Really?
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Post by Duane Dibley on Aug 1, 2020 9:33:25 GMT
Indeed we will see what happens. But it seems to me that the latest shifting of the goalposts is solely for the benefit of those who thought they could treat AC as an instant access savings account and then got spooked when reality hit them straight between the eyes. Yet those of us who saw it as a long term investment where you might or might not get your money back and instant access was a goal rather than a given, but at least thought everybody would be treated the same when you did finally want access, are again left standing. And standing aside in life when everybody else is queue jumping and jostling for position just means that when you finally do get served all that remains on the table is a few crumbs and everybody else's leftovers. Enjoy! Well - doing nothing to help yourself provides little grounds to complain about the result. And what in your great wisdom do you propose that people do? Other than discount themselves and the inevitable race to the bottom that will result.
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Post by Duane Dibley on Aug 1, 2020 8:38:05 GMT
Oh great, another race to the bottom. Withdrawals may have been slow but at least they've been steady, and nobody should have expected instant access for ever. Once people start discounting and queue jumping everybody else gets pushed to the back, so if you want to see your money again sometime in your lifetime it's all aboard the discount train. Nice one AC (again). I don't think you can call it. Lets see what happens eh! I assume the par payments will continue as before when loans pay back. Perhaps Pte. Frazer rather than Duane Dibley? Indeed we will see what happens. But it seems to me that the latest shifting of the goalposts is solely for the benefit of those who thought they could treat AC as an instant access savings account and then got spooked when reality hit them straight between the eyes. Yet those of us who saw it as a long term investment where you might or might not get your money back and instant access was a goal rather than a given, but at least thought everybody would be treated the same when you did finally want access, are again left standing. And standing aside in life when everybody else is queue jumping and jostling for position just means that when you finally do get served all that remains on the table is a few crumbs and everybody else's leftovers. Enjoy!
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Post by Duane Dibley on Aug 1, 2020 7:54:15 GMT
Oh great, another race to the bottom.
Withdrawals may have been slow but at least they've been steady, and nobody should have expected instant access for ever.
Once people start discounting and queue jumping everybody else gets pushed to the back, so if you want to see your money again sometime in your lifetime it's all aboard the discount train.
Nice one AC (again).
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Post by Duane Dibley on Nov 29, 2019 13:34:07 GMT
Having been previously bitten by Co, Ly and MT, well more had my left arm ripped off, ragged around and spat back at me, protection of capital is the main priority now.
So if this is what LW thinks is necessary to protect my capital then I'll accept that, it does after all bring them more into line with their competitors, AC, OC and GS.
So while I don't fully understand the statistics or talk of cohorts, I have been happy with LW so far so I'll be giving them the benefit of the doubt and keeping my funds invested and watching over the next 6 months to see whether this action has the desired effect.
Whatever happens it is a refreshing change to see a platform make decisive changes to their operation to head off any perceived risk rather than stick their head in the sand and just kick the can down the road, and LW should be applauded for that.
Whether it's enough we'll have to wait and see.
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Post by Duane Dibley on Sept 21, 2019 7:24:55 GMT
I've just read the MT update. No surprise there... absolute load of BS has been given to MT recently. It sounds semi promising, but I will be very surprised if any interest is forthcoming on Monday. Hopefully I'm wrong. Have a good weekend and lets get back to this heap of sh*t next week. We know it's BS, they know it's BS and I suspect they know that we know it's BS, but they'll continue to feed it to us while ever MT, if not believing it, are still accepting it and repackaging it to us in nice round pats.
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CrowdProperty (CP)
CrowdProperty
Aug 20, 2019 11:33:51 GMT
via mobile
Post by Duane Dibley on Aug 20, 2019 11:33:51 GMT
Anybody else have problems opening an account with CrowdProperty?
Registered my email and address, clicked on the link in the email, filled in all my personal details, uploaded ID documents, filled in my bank account details, then nada. No welcome email like other platforms, no nothing. Can't deposit funds until I complete my personal details despite all my details being completed. No response to my email. Can't reapply because my email address is already taken. Vicious circle time.
I know there's plenty of other P2P sites that would be happy to take my money, I may even get some of it back from some, but I do tend to take snubs like this personally.
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Post by Duane Dibley on Aug 14, 2019 12:42:50 GMT
You're going to like this, especially you Queen Vic...... people on site working,car park all marked out and a road sweeping machine cleaning it as I watched.I'm told the car park is opening next week, there's a ticket machine installed so it's not just for customers and the centre is opening next month. I know we've been here before but perhaps finally it will actually open, here's hoping Two years, umpteen broken promises, missed interest payments and meaningless updates and we've got a car park. Brilliant.
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Post by Duane Dibley on Aug 9, 2019 10:00:17 GMT
I will see if we can adjust the update dated 19/06 as it s a bit confusing as it is. No. Just no. The only record lenders have of the history of loans is via the updates. Sounds like you've been caught with your pants down by not doing basic HPI checks on all the vehicles. Don't compound your errors by changing past updates with the benefit of hindsight. I seem to remember another platform thought it would be a good idea to change historic updates to present them in a better light. It didn't end well.
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Post by Duane Dibley on Jul 29, 2019 7:48:27 GMT
a full update on this loan tomorrow? Can kicked to next week. I don't think they're even bothering to do that anymore. Just lying by the side of the road, pissed on by a stray dog, run over by a taxi and a couple of trucks and just left there to rust.
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